locus wildfire risk derived

{
  "input": {
    "body": {
      "address": "1 E Edenton St, Raleigh, NC 27601"
    },
    "type": "http",
    "method": "POST",
    "bodyType": "json"
  },
  "output": {
    "type": "json",
    "example": {
      "ok": true,
      "note": "Awareness/diagnostic only. Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.",
      "point": {
        "latitude": 35.780418000003195,
        "longitude": -78.63910200000142
      },
      "caveats": [
        "Wildfire risk here is FEMA's National Risk Index modeled rating for the census TRACT, not a per-property or per-parcel prediction.",
        "NRI is a relative hazard/expected-loss model; a low or 'No Rating' tract (often dense urban) is a modeled value, not proof of no wildfire exposure.",
        "Never a safety verdict, a desirability score, or an insurance/underwriting determination - confirm wildland-urban-interface exposure with state forestry and the local fire authority."
      ],
      "coverage": "covered",
      "wildfire": {
        "state": "North Carolina",
        "county": "Wake",
        "riskScore": 32.14298455281652,
        "riskRating": "Very Low",
        "annualizedFrequency": 0.000009971814581927071,
        "expectedAnnualLossUsd": 75.54887079683174
      },
      "provenance": {
        "source": "FEMA National Risk Index (NRI) - Wildfire, census-tract level",
        "coverage": "national (all 50 states + DC/PR), census tract",
        "layerUrl": "https://services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_Census_Tracts/FeatureServer/0",
        "sourcePage": "https://hazards.fema.gov/nri/wildfire"
      },
      "verifyNext": [
        {
          "url": "https://hazards.fema.gov/nri/map",
          "step": "Open the FEMA National Risk Index map for the tract's full hazard profile."
        },
        {
          "url": "https://www.fs.usda.gov/managing-land/fire",
          "step": "Confirm wildland-urban-interface exposure with the state forestry agency and local fire authority."
        }
      ]
    }
  }
}